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Natural hazards · Laconia

Laconia, NH natural hazards

Most of the natural-hazard damage FEMA expects in Laconia comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 26 claims here since 1984. 11 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Laconia?

51
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laconia to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding69%Lightning10%Hurricanes6%Everything else15%
By hazard

What Laconia faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

69% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once a year in the area

Lightning

10% of expected damage
Well above average · higher than 80% of U.S. places

Hurricanes

6% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once every 16 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong wind

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Laconia flood?

Every paid claim on a federal flood insurance policy in Laconia, from FEMA’s records.

26paid claims since 1984
$288Kpaid to owners
4homes flooded more than once
19842026

Biggest named events

  • March 2010 Nor'easter: 2 claims, $21K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured
No community discount. Laconia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Belknap County.
Disasters that hit Laconia

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Laconia itself: aid to households, or repair grants to the City of Laconia.

Brought FEMA money into LaconiaDeclared for Belknap County only
2022

Severe Storm and Flooding

$9K to the City of Laconia for repairs
2017

Severe Storm and Flooding

$40K to the City of Laconia for repairs
2013

Severe Winter Storm and Snowstorm

$45K to the City of Laconia for repairs
2011

Tropical Storm Irene

$10K to the City of Laconia for repairs
2008

Severe Winter Storm

$28K to the City of Laconia for repairs
2008

Severe Storms and Flooding

$575K to the City of Laconia for repairs
2007

Severe Storms and Flooding

25 households applied for aid $13K aid approved $34K to the City of Laconia for repairs
2006

Severe Storms and Flooding

6 households applied for aid $10K aid approved
2005

Severe Storms and Flooding

9 households applied for aid $10K aid approved $176K to the City of Laconia for repairs
2005

Record And/Or Near Record Snow

$21K to the City of Laconia for repairs
2003

Snow

$27K to the City of Laconia for repairs
Belknap County has had 24 natural disasters declared since 1953, most often severe storms and winter storms.
Around Laconia

Laconia and the towns around it

Meredith: Low, mostly inland floodingGilford: Low, mostly inland floodingBelmont: High, mostly inland floodingSanbornton: Moderate, mostly inland floodingCenter Harbor: Moderate, mostly inland floodingNew Hampton: Moderate, mostly inland floodingAlton: Moderate, mostly inland floodingGilmanton: Moderate, mostly inland floodingTilton: Moderate, mostly inland floodingNorthfield: High, mostly inland floodingFranklin: High, mostly inland floodingHill: Very high, mostly inland floodingLaconia: Moderate, mostly inland flooding LaconiaMeredithGilfordBelmontSanbornton
Very lowLowModerateHighVery high
Belmontmostly inland floodingHigh
Sanborntonmostly inland floodingModerate
Laconiamostly inland floodingModerate
Meredithmostly inland floodingLow
Gilfordmostly inland floodingLow
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Laconia covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Laconia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Laconia. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Laconia total about $6.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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